Spectrum Advisers, LLC
Updated today
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Total assets under management
$25,677,040
Total clients
19
37% high-net worth
Total advisors
1
of 1 employees
Firm size
Independent
1 advisor
Average clients per advisor
19
Average account size
$1,351,423
About
Spectrum Advisers is a small independent investment adviser led by a single advisor and serves both individual clients and institutional clients such as pension and profit‑sharing plans. The firm provides a range of services including comprehensive private wealth management, guided portfolio solutions, lifetime income and retirement distribution planning, standalone financial planning, and 3(21) ERISA retirement plan advisory services.
The firm’s process combines a personalized, hands‑on planning engagement with technology‑enabled onboarding and model portfolio matching to align time horizon and risk tolerance with diversified, multi‑asset allocations. Portfolio construction typically uses mutual funds and ETFs with a tax‑aware emphasis where appropriate, and the firm performs ongoing monitoring and periodic rebalancing while offering separate distribution planning for income‑focused clients.
Noteworthy for a solo independent adviser is the firm’s mix of institutional ERISA 3(21) plan advisory work alongside retail wealth management, and the advisor’s licensed real estate and insurance activities performed through separate entities and disclosed as potential conflicts. Prospective clients should be aware that the combination of plan‑level institutional services with ancillary real estate and insurance relationships is relatively uncommon among similarly sized independent advisory firms and may affect the scope of services and referral dynamics.
Client services
Financial planning
Portfolio management
Expertise
Retirement income strategy
Social Security optimization
General estate planning guidance
Cash flow / budgeting
Occupation focus
Founder/Business Owner
Executive
Fee options
Personal Financial Concierge flat fee based on net worth, capped at 2%; Lifetime Income Planning flat fees $2,500 to $20,000; Financial Planning flat fees $5,000 to $25,000
$0 - $250,000: GPS $2,500 minimum annual fee (not to exceed 2%) or $208.33 monthly minimum fee $250,000.01 - $1,000,000: 1.00% annually $1,000,001+: Tiered incremental fees for Personal Financial Concierge based on net worth increments (e.g., $200,000 increments at $1,250 to $1,200 annualized fees) - flat fee structure, not percentage of AUM
Financial Planning hourly fees up to $500 per hour
Account minimum: $250,000 Minimum fee: Personal Financial Concierge minimum monthly fee $1,000; Guided Portfolio Solutions minimum monthly fee $208.33; Business Retirement Plans minimum monthly fee $500 or $750, negotiable for start-up plans Fee-only: Financial Planning and Consulting fees ranging from $5,000 to $25,000; Lifetime Income Planning flat fees ranging from $2,500 to $20,000
Main office location
Spectrum Advisers, LLC
Chapel Hill NC, United States
Number of offices
1
Most active in
Spectrum Advisers, LLC has reported serving >5 clients in these states in the last 12 months.
Illinois · North Carolina · Texas
Disclosures
Firm disclosures are reported in Form ADV Part 1A, Item 11. They include criminal charges, regulatory actions, civil proceedings, and professional disciplinary events involving the firm or its advisory affiliates.
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
These affiliations may expand the services this firm offers and, in some cases, how they are compensated.
Is active or affiliated with:
Real estate agent
They facilitate real estate transactions and may earn commissions.
Is not active or affiliated with:
-
Insurance agent
They sell insurance products and may earn commissions on those sales.
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Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
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Bank
They're affiliated with a bank that may offer its own financial products and services.
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Trust company
They provide trust and estate administration services, typically for separate fees.
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Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
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Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
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Lawyer
They provide legal services, typically billed separately.
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Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
Forms ADV
Quick links
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